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Best 0% APR Balance Transfer Cards
To those who do not know what Balance Transfer(BT) is, I want to explain this as clear as possible.
A balance transfer is an option offered by many credit card issuers for the card holder to use their available credit from one card to pay off the balances due on other cards.
This is just transferring a loan to another loan. Kinda like refinancing your home sort of. It makes financial sense to balance transfer to a lower rate. Many issuers will offer 0% APR for 12 or even 15 months to balance transfer. After the the 0% APR introductory rate, they will revert back to their normal high rate.
Card issuers are not doing this out of the kindness of their heart. It was set up to make money. Period. However, if you know the terms and play by the rules, doing a balance transfer will save you a lot of money.
How To Do A Balance Transfer
Lets take an example of a person who has a $10,000 credit card balance on 17.99% APR. We call him “Tim” for this example. If Tim continue to make his minimum payment, he will end up paying at least $1800 on interest alone per year! Someone with better math can give me the exact number. This is not counting late fee, over the limit fee, all kinda crap fee that credit cards can pour on Tim.
Tim saw a 12 months 0% APR offer in the mail and decided to do a balance transfer. As you can tell, Tim is not a very smart guy. He didn’t read the fine terms and didn’t know anything about Balance Transfer Fee. The card has a 3% BT fee with no maximum. Bam! He is hit with $300 in fee for a $10K BT. Also, Tim decided to go shopping and buy expensive items with his old card now that the balance is 0. He’s incurring more debt and dig himself into a bigger hole. Luckily, Tim stumble upon HustlerMoneyBlog and learn a few tricks below:
Pick the right cards:
The following cards have no annual fee, balance transfer fee is capped, and balance transfer period is at least 12 months.
- Advanta BusinessCard with Rewards - 15 months BT period (3% fee, $90 max)
- Advanta Customized Business Rewards - 15 months BT period (3% fee, $90 max)
- Chase Business Rebate - 15 months BT period (3% fee, $99 max)
- Discover More - 12 months BT period (3% fee, $75 max)
- Discover Miles - 12 months BT period (3% fee, $75 max)
- Discover Open Road - 12 months BT period (3% fee, $75 max)
- Chase Flexible Rewards - 12 months BT period (3% fee, $75 max)
- Chase Free Cash Rewards - 12 months BT period (3% fee, $75 max)
- Chase Platinum Mastercard - 12 months BT period (3% fee, $75 max)
- Chase Platinum Visa - 12 months BT period (3% fee, $75 max)
The first three cards are business cards. Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. Just put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.
If you don’t plan to pay off by the end of the 12 or 15 months balance transfer period, then check out these life time balance transfer rates:
- Advanta Life of Balance - You will get 2.99% fixed APR for the life of the loan on balance transfer. There is no balance transfer fee.
- Blue from American Express - 4.99% fixed APR for the life of the loan on balance transfer. (3% fee, $99 max)
- Blue Cash from American Express - 4.99% fixed APR for the life of the loan on balance transfer. (3% fee, $99 max)
- Blue Sky from American Express - 4.99% fixed APR for the life of the loan on balance transfer. (3% fee, $99 max)
- Clear from American Express - 5.99% fixed APR for the life of the loan on balance transfer. There is no balance transfer fee.
Plan for Balance Transfer
You can request to balance transfer right away on the application or request one over the phone once you get your card. I have successful attempts in the past wherease the CSR waive the balance transfer fee when doing balance transfer over the phone. Simply ask and tell you would like a balance transfer if you do not have to pay the BT fee. YMMV.
Once you have made the balance transfer, it’s very important to not charge up on the balance transfer card. Put the card away and continue to pay the minimum monthly payment. For 0% APR BT, all of your payments during the promo period are going toward principal. A month before the 0% promo period ends, make plan to pay the entire balance off or apply for another 0% APR card to do another balance transfer.
Anything you don’t understand, feel free to comment below.
Citi Professional Thank You $100 Bonus
If I have to pick a good reward program credit card, I would go with the Citi Professional Thank You. Currently, they are running a $100 bonus promotion whereas you get 10,000 Thank You points after $250 in purchases. Once you get your 10,000 points, you can redeem it for $100 gift certificate at any of these stores. Some of these stores include Best Buy, Sears, Target, Gap, Home Depot, etc.
Citi Professional Thank You is just an overall good card with their thank you points reward program. The card gives you 3% back on restaurants, gas stations, auto rentals, and office supply merchants. Also, there is no annual fee and they itemized your spending report every quarter, telling you what kind of purchases you made. On top of the $100 bonus, you will get 12 months of 0% APR on purchases. I highly recommend the Citi Professional for the everyday usage.
Citi® ProfessionalSM Card with Thank YouSM Network gives you 10000 Thank You points bonus after $250 in purchases = $100 gift card
- No Fee Rewards Program
- Get 3 ThankYou Points for every dollar you spend at restaurants, gas stations, on auto rentals and certain office supply merchants.
- 1 ThankYou Point on every other dollar spent.
- Redeem your points for: air travel, statement credit, gift cards and certificates, merchandise or create your own reward.
Top Cash Back Credit Cards
Everybody has a favorite credit card reward program such as Citi’s Thank You Rewards Network, AmEx’s Starwood Starpoints, Delta Skymiles, etc. Nowaday, companies have cut back on the cash back and more in favor of reward point usage. Then there are some who just want straight up cash back at the end of the month. Many people don’t want to deal with points and gift cards, but instead prefer to stick with cash back cards. They like the convenience of using the cash back toward their balance or their savings account.
Cash Back Cards Are Simple And Straighforward
Before, I don’t mind using my Citi cards to earn Thank You points. It takes up a lot of time and the headache of cashing out for gift cards. I prefer to use Thank You points to pay off my student loans and get airplane ticket for my points. The process requires me to count my points and make sure they don’t expire.
People with time and enjoy counting up the points would prefer reward programs over cash back programs. Even though the higher returns of reward programs, some people find the redemption procedure of reward cards to be troublesome. I am in that group and would like the simplicity of automatic cash back credit.
There is very little hassle with cash back credit cards. The cash back automatically go toward your statement or a check sent to your address. Most cash back reward programs are automated. Below is a list of the best cash back programs from some major credit card issuers. All cards have no annual fee. I recommend to have two or three cash back cards to get the most out of your spending.
The Top Cash Back Reward Credit Cards:
- Chase Freedom Visa Card - With an extra $50 if you save your cash back until $200 to cash out, this card gives you 3.75% cash back in your top 3 everyday spending categories and 1.25% cash back on everything else. Earn an additional 2 categories with a Chase Checking account. These Categories include gas, fast food, supermarkets, wireless bills, cleaners, movie tickets, etc. By far my favorite cash back program. Also, $50 bonus after first purchase. Sweet!
- Blue Cash From American Express - Get 5% cash back for everyday purchases and 1.5% cash back for everything else after spending $6,500 in purchases. For some people who has no trouble of getting to the $6500 in spending, this card gives a higher return that the Chase freedom.
- Citi Cash Returns Card - You will get 1.2% cash back on all purchases for the first 12 months since it offers an additional 20% cash back bonus on the rewards. After the first year, it is 1% cash back for all purchases, cash advances, and balance transfers. Use this card for purchases not in special categories such as supermarkets, gas, and dining out.
- Discover More Card - Earn up to 5% cash back throughout the year with special categories. It changes from groceries, travel to home, gas, and apparel. This is a good second card since you get 5% cash back on categories you might not get from other cards. Everything else is 1% cash back.
- Citi Professional Cash Card - Earn 3% cash back on purchases made at restaurants, gas stations, certain office supply merchants, and for auto rentals. Plus, earn 1% cash back on other purchases.
- Citi Dividend Platinum Select Card - Earn 5% cash back on purchases at supermarkets, drugstores, gas stations, convenience stores, and utilities including cable for 6 months, and 2% thereafter. 1% cash back on everything else.
$150 Bonus with CitiBusiness Thank You Network
Here’s a worthy bonus of a hit on your credit score. Citi is now offering $150 bonus with the CitiBusiness Thank You after $250 in purchases with no annual fee.
I wrote previously that anybody can apply for a business credit card. Here’s a quick recap:
Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.
If you are still having several credit cards that still not meeting your needs? Switch to CitiBusiness Card and find that the CitiBusiness card help you manage your expenses, pay all your bills, and earn rewards for all your purchases.
The best part right now is that there is a 15000 Thank You points bonus which convert to $150 gift card bonus in the Thank You Network.
If you click on CitiBusiness ThankYou Network, there is only a 10000 thank you points bonus showing. Here’s how you can get an extra 5000 bonus points:
- Turn off pop-up blocker
- Click on CitiBusiness ThankYou Network
- Click on Apply Now
- Hit the Back Button or Exit out to see the new 15000 Bonus Thank You Points offer.
So after $250 in purchases, you will get 15K bonus points to get $150 in gift certificate. The CitiBusiness card also earn 3 points for every dollar spent on eligible business purchases. For all your other purchase, earn 1 point per dollar spent and start redeeming your points for gift cards, merchandise, travel services and more. Another bonus with the CitiBusiness card is that you can receive discounts at participating retailers and online merchants.
Other cardholders benefits include $1 million in travel accident insurance for you and your immediate family, car rental insurance when you decline the car company’s collision coverage, and advanced fraud protection. Then you get travel benefits such as lost luggage coverage, emergency cash replacement, and Citibank’s zero liability policy for unauthorized purchases.
Don’t wait too long, apply now to the CitiBusiness ThankYou Network.
2.99% Fixed APR for Life on Balances Transferred
Do you have any loan, whether it’s a car loan or a personal loan, that is greater than 3% APR interest rate? If so, then you need to apply for the Advanta Life-of-Balance Platinum Card. The card gives you 2.99% APR fixed for life when you balance transfer within 3 months of getting the card. On top of the low interest rate, there is absolutely no balance transfer fee. There is also no annual fee. Even though this is a business card, anyone can apply.
Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.
The Advanta card is for those who want to lower their high interest rate and pay it off for years to come. The 2.99% APR fixed rate is even less than inflation. By using this card to balance transfer, you will be saving hundreds and possibly thousands depending how big your loan and high your interest rate. Lastly, the balance on your business cards does not show on your personal credit report. This will have a positive impact on your credit report due to low debt/high credit limit ratio.
Advanta Life-of-Balance Platinum Card
- 2.99% Fixed APR for Life on balances transferred within 3 months
- Choice of 6% Cash Back or Travel Rewards
- No Annual Fee and No Limit on Earnings
- $0 Fraud Liability
- Personalized card — your company name on the top of the card
5000 Bonus Points with AmEx Platinum Business FreedomPass
Platinum Business FreedomPass Credit Card from OPEN the small business team is a great card with a great rewards program. Right off the bat, the FreedomPass card gives you 5,000 bonus points with the first purchase. Therefore you need 2500 more points to reach 7500 points. Then you earn a $100 American Express travel reward certificate for purchases on your Card Account at airlines, hotels, car rental companies, cruise lines, travel agencies, tour operators and on-line travel sites.
Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.
The rewards program is 1 point per dollar spent on the card, with an additional $100 savings for every 7,500 points you accrue. The points never expire, and there are no blackout days or restrictions on use of the points. By the way, there is no annual fee. The online services can help you manage your accounts and track charges made with the card.
There is also a 0% introductory interest rate on purchases for 12 months. This is a great card to make purchase, then pay the minimum only. Since it’s 0% APR on purchases, there is no interest money to be made on you. Instead of paying off each month, you can deposit that money into a 5% savings account. Just make sure that you pay off the entire balance once the promo is over. Last but not least, cardholders benefits include insurance for travel, car rental insurance, and further discounts from other retailers.
Platinum Business FreedomPass Credit Card from OPEN the small business team
- 5,000 point welcome bonus with first purchase
- Earn 1 point for every dollar you spend
- Redeem for savings on any flight, hotel, car rental or cruise
- No blackout dates and no travel restrictions
- 0% Introductory APR on purchases for the first 12 months
- No annual fee and the option to pay over time or pay in full
- Fee-free Additional Cards
- OPEN Savings®: Automatic discounts with FedEx, Delta®, Courtyard by Marriott®, and more
Starwood Preferred Guest Business 10000 Bonus Points
Looking for free hotel nights, gift cards, or airline ticket? How about 10000 bonus Starpoints after first purchase with the Starwood Preferred Guest Business Credit Card from American Express. The 10000 bonus points can be converted to $100 Amazon.com, Gap, or Banana Republic gift card. If you don’t like gift cards, then 10K points can be worth up to 3 hotel nights stay. You need 20000 points for a round-trip ticket, so you are half way there. Apply the Regular Starwood too for a free airline ticket.
Anybody can apply for a business credit card. Here’s a quick recap:
Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.
However, some people save the points to earn a free flight ticket once you reach the 20K points mark. Here is a quick summary with their rewards program:
- Convert a few miles so they won’t expire and top off to get to the reward ticket level
- Get 1.25 miles per dollar spent which is 25% more than most other airlines cards.
- Points can be converted to gift cards, hotel nights, and airline tickets.
Top Reasons Why Starwood Preferred Guest Business Credit Card from American Express is the best Airline Travel Card:
1) Starwood points can be easily converted to frequent flier miles
- The Starwood points convert on a 1:1 (1 Starwood point = 1 frequent flier mile) basis on major domestic airlines include Alaska, American, Delta, Hawaiian, Northwest and US Airways/America West.
2) Get that free flight ticket by topping it off or keep your miles from expiring
- Say you want to fly free and you have only 23K delta flier miles, and you need to 2K more to make a free flight. With Starwood points, you can transfer your already earned points to Delta frequent flier program and get your free ticket. Hence, you don’t need to earn the points by doing other spending methods.
- In order to keep your miles from expiring, simply convert a few hundred miles every now and then so your account would be active with other airlines. If not, you could lose your miles for being inactive.
3) Great hotel card reward card
Don’t like gift cards or airline ticket? How about hotel stay for as little as 2000 points per night. There is no blackout date and all taxes are covered. Choose from Hotels such as Sheraton, W hotels, Westin, and St. Regis.
4) Get 25% more miles extra
- Other airline credit cards such Delta, United , and American give out great bonuses but all give you 1 mile per dollar spent. The Starwood Biz does the same with 1 Starwood point for $1 spent. This changes whenever you convert 20000 points, you get an additional 5000 bonus points or 20000 Starwood points = 25000 miles on all airlines flier program. This resulted in an extra 25% more miles per dollar spent.
5) Free 10000 bonus points, another 15000 possible bonus points, and first year membership fee is waived
- If you sign up now, Starwood Preferred Guest Business Credit Card from American Express is giving away 10000 Starwood bonus points after first purchase. Your membership fee is waived for the 1st year, and $45 annual fee after that.
- Another current promotion is an additional 15000 bonus points for spending $15K in the first 6 months on top of the 1 dollar per point spent.
Quick Summary:
Starwood Preferred Guest Business Credit Card from American Express
- Earn 10,000 Starpoints with your first purchase - that’s good for up to 3 free nights!
- Earn 1 Starpoint for virtually every dollar you spend on the Card and 2 Starpoints at participating Starwood hotels and resorts
- Redeem at over 825 participating Starwood hotels and resorts in 95 countries including Sheraton®, Westin® and W Hotels®
- Transfer to over 30 frequent flyer programs, most on a one-to-one basis.
- Save 3-25% on business purchases at companies like FedEx, Delta, Hertz®, and more.
- No annual fee for the first year - a savings of $45
- Voted Best Affinity Credit Card by frequent travelers in 19th Annual Freddie Awards
Up to $800 Bonus with AmEx Biz Gold
American Express Business Gold Rewards Credit Card is offering 5,000 Rewards points after first purchase. The 5,000 points can be exchanged for a $50 rewards gift certificate. You can choose the $50 gift certificate from stores such as Home Depot, Gap, Blockbuster, Barnes & Noble, Banana Republic, and so on. Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.
This bonus is a combination of bonus points for getting the card and using it. AmEx starts you off with a $50 gift card (5000 points) after the first purchase. Get another $250 in gift cards (5000 bonus points + 20,000 regular points, 1 point per dollar spent) for reaching $20,000 in spending. Finally, you can get $500 in gift cards (20,000 bonus points + 30,000 regular points) for reaching $50,000 in spending.
At the end of your 1 year, AmEx will give you another $100 gift card (10,000 points). However, this bonus will be negated by the annual fee you will have to pay. There is no annual fee for first year.
There will be a hard pull, but business credit cards will not show on your personal credit report. Hence you can open and close accounts, open more new accounts, and max your credit limit without worrying about your credit report.
The $125 annual fee is waived for the first year. If you don’t find the card worth keeping, keep in mind that you can always cancel the credit card without paying any fees.
Here’s the fine print from American Express:
Bonus points: To be eligible to earn bonus points you must be enrolled in the Membership Rewards® program at the time of purchase and charge your purchases to an eligible, enrolled American Express® Card.
5,000 welcome bonus points are available for first–time Business Gold Rewards Cardmembers only. You may be permitted to have more than one Business Gold Rewards Card account; however, you are eligible to earn welcome bonus points for only one Card account. Additional Cardmembers are not eligible. Welcome bonus points will be credited to your Membership Rewards account 6 to 8 weeks after your first purchase appears on your monthly Business Gold Rewards billing statement. Bonus ID: 9238. Spend bonus points will be awarded to your account depending on the amount of Eligible Spending* in each membership year, as follows: If your Eligible Spending in a membership year is equal to or greater than $20,000 but less than $50,000, you can earn 5,000 spend bonus points; if your Eligible Spending in a membership year is equal to or greater than $50,000, you can earn an additional 20,000 spend bonus points. Spend bonus points will be credited to your Membership Rewards account 12 to 14 weeks after your Eligible Spending reaches the $20,000 and $50,000 threshold amounts, respectively. Bonus ID: 7312; 8192. A one–time renewal bonus of 10,000 points will be awarded to your account 12 to 14 weeks after you pay the annual membership fee for the second membership year. Bonus ID: 3125.
So according to the terms, you can get an extra 5000 points bonus after $20K in spending and another 20000 bonus points after $50K in spending. is a limited time offer. Take advantage of this offer and apply right away.
Discover Business Card $100 Bonus
Discover® Business Card is giving $100 cash back bonus after $1000 in purchases. No other card rewards you like the Discover BusinessCard. Enjoy a 0% Introductory APR* on Balance Transfers and Card Purchases for 12 months and earn 5% Cashback Bonus on office supplies, 2% Cashback Bonus on gas and up to 1% Cashback Bonus on all other purchases. Plus, pay no annual fee. APPLY NOW!
From the website:
Earn a $100 Cashback Bonus when you make $1000 in purchases within 3 months after your account is opened. Offer valid for new accounts only; limit one per account. We are not responsible for merchant delays in processing transactions. Promotional reward will be applied within 8 weeks. See Cashback Bonus Terms and Conditions for full details
Whether you have a home-based business or that you have sold something on Ebay, you can apply for a business credit card. You can put your name as the business name and your social security number as the tax id. Your business is called sole proprietorship and it’s perfectly legal with the IRS.
The Discover Business Card is designed for those looking for a cash rebate business credit card. However, it’s a tiered rebate system whereas you will earn 5% on your first $1200 in office supplies. Another great feature is that you can double the value of cash rebates by exchanging them for the 60+ merchant partners.
Here’s the math: Lets say you spend the $1000 in a combination of gas, office office supplies, and everything else. You’ll average around 2% cash back giving you a $20 rebate. Add the $20 + $100 sign up bonus for spending $1000. This amounts to $120 in cash bonus, and then exchange this for $240 in gift cards.
Double Your Rewards with these Partners:
Bedroom Expressions , Kalamazoo Outdoor, Big City Chefs, GourmetTM Grills, Carnival Cruise Lines, Lawn Boy, Celerity Cruises, Lobster Gram, Crabtree & Evelyn, Mrs. Fields, Denver Mattress, Norwegian Cruise Line,
FTD.COM, Princess Cruises, Furniture Row Outlet, Reader’s Digest, Great American Days, Royal Caribbean, Holland America International, Hollywood Video, Samsonite Company Stores, Hyatt Hotels & Resort, Sofa Mart, Sprint, Ticketsnow.com , and Ultra Diamond Outlet
There is a better list of stores, but the exchange rate is not as good. I plan to double my rewards by getting the Sprint gift card and pay my phone bills. $240 toward my Sprint bills is sweet!
If you choose to donate your cash rebates, Discover will add 20% to the following charities: the American Red Cross, Junior Achievement, Juvenile Diabetes Research Foundation and the Make-A-Wish Foundation.
You will get special discounts to certain merchants. E.G. Barnes and Nobles - 7% cash back, Overstock.com - 5% discount, and FTD.com - 20% cash back or discount.
In Summary:
- Earn $100 Cashback Bonus when you apply now**
- 0% Intro APR* on Balance Transfers and Card Purchases for 12 months
- 5% Cashback Bonus® on office supplies, 2% on gas, up to 1% on all other purchases
- Earn 5 to 20% Cashback Bonus at top retailers through Discover’s exclusive online shopping site
- No Annual Fee
- Fee-free Purchasechecks that earn Cashback Bonus®. to pay merchants who don’t accept credit cards
- Free employee cards with customizable limits and monthly reporting on their spending Apply Now!
$200 Bonus with Citi PremierPass Elite
One of the best ways to make/save money is by applying for credit card bonuses. I just found out that the Citi PremierPass Card - Elite Level is offering 20000 bonus points after $600 in purchases made within 3 months of account opening.
- 20,000 bonus points after $600 in purchases made within 3 months of account opening
- 0% APR on balance transfers for up to 12 months.
- Earn 1 Flight Point for every mile you fly on any airline — or anyone else whose ticket you buy with the card.
- Earn 1 Select Spend Point plus 1 Purchase Point for every dollar you spend at gas stations, supermarkets, and drugstores, plus earn 1 Purchase Point for every other dollar you spend
- Purchase APR as low as 10.24%Apply Now!
If you don’t want the 20000 points for $200 in gift card, then you can exchange it for an airline round ticket in the U.S. When you travel in the continental United States and Hawaii you can get a companion ticket every single time you buy a round-trip Coach Class excursion-fare ticket with your card for $299 or more. Also, for every mile you fly, you will get equal bonus points to the number of miles of your flight.
There is, however, an annual fee of $75. Lets do the math: $200 bonus - $75 fee = $125 profit. Once you get your 20000 bonus points, go ahead and cash them out for an airline ticket or $200 in gift card. Now call the CSR and ask them to convert to the Regular Citi PremierPass Card. This is very simple. It’s just switching to a different card and there is no hard inquiry on your credit. Why? Because the Regular Citi Premier doesn’t have an annual fee. They will simply credit you the $75. Make sure you tell them that you will only keep the card if they reverse the fee and give you the Regular PremierPass. If they don’t give you anything, you can still cancel and be prorated to the amount of months left on your card. E.G. Cancel after 2 months, hence (2/12) x $75 fee = $63 back since you only have them for 2 months. YMMV
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